Wedding insurance won’t cover you getting cold feet!
Cancellations account for three quarters of wedding insurance claims – but you’re not covered if you get cold feet!
Cancellations account for three-quarters of all wedding insurance claims, but coverage doesn’t protect against cases where a bride or groom pulls out of the big day because of cold feet.
Only about a quarter of couples purchase wedding insurance against something that goes wrong during the ceremony, such as canceling a venue or going bankrupt.
Other matters that the wedding insurance covers are if a florist or caterer does not show up, or if there are problems with the wedding dress, transport, cake or booked photographer.
It must also be paid if the bride or groom is unable to attend due to a serious illness or injury, or dies before the big day.
But coverage rarely includes cancellation due to Covid-19.
Big Day: Only about a quarter of couples take out wedding insurance against something that goes wrong during the ceremony
About 20 percent of couples cancel their marriage. Still, the insurance doesn’t cover matters of the heart – just practical details that relate to costs for the big day.
Karen McCullough, of specialist insurer CoverMyWedding, says: ‘Wedding insurance offers financial protection against a range of mishaps such as venue cancellations, supplier failure or theft or loss of wedding rings and gifts.
But ‘unwillingness’ to get married isn’t one of those, because you can’t insure yourself against cold feet or being dumped at the altar.’
Standard policies are also unlikely to cover bad weather spoiling the property, or requiring you to cancel because you’ve lost your job.
Any marquee set up on your own land is also likely not covered for damage or injury.
t.walne@dailymail.co.uk